During a Medicare-covered SNF stay, Part A covers:
- A semi-private room and meals
- Skilled nursing care provided by nursing staff
- Therapy, including physical therapy, speech therapy, and occupational therapy
- Medical social services and dietary counseling
- Medical equipment and supplies
- Ambulance transportation to the nearest provider of needed services, when other modes of transportation would endanger your health
If you have Original Medicare, each benefit period (see What Is Considered a Skilled Nursing Facility Benefit Period?), Part A covers the full cost of your first 20 days in an SNF. For days 21-100, Part A covers part of the cost and you pay a daily coinsurance. To be eligible for Medicare SNF coverage, your care must be medically necessary.
If you have a Medicare Advantage Plan, your plan must cover the same services that Medicare does but may do so with different costs and coverage restrictions. Contact your plan to learn about the costs and coverage rules for SNF and inpatient care.
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